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myBiz ICICI Bank Business+ Credit Card VS BOBCARD ICSI Diamond Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee
₹2,500 + GST
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not applicable
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Foreign Transaction Fees
3.5%
2% of the total transaction amount.
Interest Rate (APR)
3.67% monthly (equivalent to 44% yearly)
3.49% per month.

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
Rewards Rate
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99
Nil

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025.
International Lounge Access
1 complimentary visit per year to an international airport lounge worldwide.
Not Applicable
Travel Benefits
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Movie Benefits
Not applicable
Not Applicable
Dining Benefits
Not applicable
Earn 5 Reward Points per ₹100 spent on dining.
Golf Benefits
Not applicable
Not Applicable
Fuel Surcharge Waiver
1% surcharge waiver across all petrol pumps
1% waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not applicable
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% or a minimum of ₹300
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

myBiz ICICI Bank Business+ Credit Card

BOBCARD ICSI Diamond Credit Card

Who is it for?

The myBiz ICICI Bank Business+ Credit Card is tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

Who is it for?

The BOBCARD ICSI Diamond Credit Card is a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

Pros

Key benefits and features.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

Pros

Key benefits and features.

Lifetime free card, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

Cons

Key drawbacks and limitations.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

Cons

Key drawbacks and limitations.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.